Consumer Credit Card Offers

Whether you want a card for everyday spending, earning rewards, or improving your credit score, consumer credit cards offer a wide range of benefits and consumer protections for almost any type of shopper.

Key Benefits

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings

Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases

You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same

No expiration on rewards

0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers

If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Key Benefits

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER

0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness

0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full

There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

The same great rate for all balances, after the introductory period

Save time when you call with fast, personal help, 24 hours a day – just say “representative”

Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Key Benefits

Earn 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.

Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.

Earn one mile for every eligible dollar you spend on purchases.

Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.

Key Benefits

Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days

Earn unlimited 2X miles on every purchase

NEW - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.

No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.

Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.

$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.

Choose to carry a balance with interest on eligible charges of $100 or more.

Key Benefits

Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening

Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases

If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase

No limit to the points you can earn and your points don’t expire

Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center

Key Benefits

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.

Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.

Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.

Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.

Key Benefits

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Redeem cash back any amount, any time. Rewards never expire.

100% U.S. based customer service.

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Key Benefits

0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers

Key Benefits

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.

Key Benefits

Start saving by consolidating your high interest rate cards and making everyday purchases on one card that can help you get what you want.

Low 0% introductory APR for your first 15 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 14.24% to 25.24% based on your creditworthiness.

No Penalty Rate (APR) for a missed payment

No Annual Fee

Click to apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information.

POPULAR ISSUERS

ADVERTISER DISCLOSURE

Credit Cards Explained receives compensation from the credit cards listed on our site. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Our offers do not represent all credit card companies and deals available. When considering a card, see the issuer's online application for official details about terms and conditions. Reasonable efforts are made to maintain accurate information; however, all credit card information is presented without warranty. APRs may vary depending on your credit background and current interest rates.

Credit scores are for guideline purposes and do not guarantee approval. Your personal financial situation and lender terms and conditions can impact credit approval.

EDITORIAL NOTE

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Credit Cards Explained may earn affiliate commissions from our partners on this page. These commissions do not affect how we select, rate, or review products. To find out more, read our complete terms of use.